| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (NE SERIES) | 76 BATTERSON PARK RD STE 3 FARMINGTON, CT 06032 | UNITED HEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 3.57% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLOUTIONS LLC | 14 BUSINESS PARK DR #8 BRANFORD, CT 06405 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.40% |
| PETER M ANDREWS3 | PO BOX 466 FARMINGTON, CT 06034 | UNITED HEALTHCARE INSURANCE COMPANY | $31 | — | $31 | 0.00% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE ANDREWS ANDREWS BENEFITS | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | AETNA LIFE INSURANCE COMPANY | $256 | — | $256 | 0.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK RD STE 3 FARMINGTON, CT 060322571 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 8.59% |
| METTILLE, MARK S3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | AMERITAS LIFE INSURANCE CORP. | $909 | — | $909 | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | AMERITAS LIFE INSURANCE CORP. | $626 | — | $626 | 3.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $545 | — | $545 | 13.48% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE ANDREWS ANDREWS BENEFITS | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | LEGAL ACCESS CONSULTING, LLC | $374 | — | $374 | 19.98% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 255 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 192 | $56K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 215 | $18K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $4K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $19K |
| Other | LEGAL ACCESS CONSULTING, LLC | 9 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.